Bucharest, 9th July 2013: The National Institute of Statistics (INS) shows that during 2012, more than 11 million Romanians travelled within the EU for holiday or business, but also to the USA, Asia or Africa. (This means a 2% increase from 2011)
While abroad, Romanians wish to travel safe. Travel Products are on the market, but there seem to be misunderstandings in what concerns the differences between Private Health Insurance and the relatively new European Heal Insurance Card.
The studies show that more then 8 million Romanians holiday makers have travelled by car to EU countries. The largest number of business trips was also taken inside the EU and to the United States of America and Asia.
It is difficult to see the differences between Private Health Insurance and the European Health Insurance Card, in terms of coverage, costs, services included and other relevant aspects. An analysis that was made at MediHelp International (The regional leader in Private Health Insurance) shows the following:
| Private Health Insurance | European Health Insurance Card | |
|---|---|---|
| Coverage | European or International | European, in the 27 EU countries, Iceland, Lichtenstein, Norway and Switzerland. |
| Medical provider | Medical provider Freedom of choice, for any public or private clinic or hospital | Limited to public clinics and hospitalsclinic or hospital |
| Costs coverage | All treatment and hospitalization costs are covered | Subject to the regulations in each country: treatments may be free of charge or may require additional payment |
| Application limitations | No legal limitations | The applicant must make proof of up to date |
| Usage limitations | The private health insurance plans are created so that they secure any medical issue in Europe or anywhere in the world, with coverage of over 1 million Euros per year/ member | The user must be a Romanian resident who works, travels or studies in a foreign country, during a temporary stay. The EHIC covers only situations occurred during the stay. One’s trip cannot be for medical purposes |
| Usage period | During the entire time of the contract | For 6 months |
| Other services included | Other services included Childbirth, medication, emergency air evacuation, CT, MRI, PET scan | Includes only the necessary medical treatment during the temporary stay |
“As Romanians start to travel more often and to diverse places, they need to find an efficient way of protecting their health even when they are abroad. The European Insurance Card has specific benefits for those who have to deal with an unexpected health issue during a temporary stay abroad. However, it has no use for people who want to be able to permanently access medical services outside their country of residence. For this purpose, a Private Health Insurance Plan is the appropriate product. The insured person can access medical services for any medical issue in Europe or anywhere in the world, with coverage of over 1 million Euros per year/member”, says Alida Coman, Marketing and PR Coordinator, MediHelp International.
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